Last Updated: 10/20/2016

 

Welcome! You have arrived at a web site that is provided by Obamacare-guide.org ("Company"or "we," "our" or "us"). This " Privacy Policy" governs your use of obamacare-guide.org without limitation, both mobile and online versions of our site), and also applies to your use of all features, applications, content, downloads and other services that we make available through these sites and/or that post a link to this Privacy Policy (collectively, referred to herein as the "Site"), regardless of how you access or use the Site, whether via personal computers, mobile devices or otherwise. This Privacy Policy does not apply to our data collection activities offline or otherwise outside of our Site (unless otherwise stated below).

 

To the extent we provide you notice on our Site of different or additional privacy policies or practices (e.g., at the point of our collection), those additional terms shall govern such data collection and use.

In addition, please review the Site's Privacy Policy, which governs your use of the Site. By using our Siteyou consent to our Privacy Policy and Terms and Conditions and our collection, use and sharing of your information and data, and other activities, as described below.

Table of Contents

It is important that you read and understand the entire Privacy Policy before using the Site. However, this table of contents highlights key issues and points and you can click on the headings and the "More" links to be taken to the full explanation.

  1. What Information Does the Site Collect?
    1. Information You Provide to Us

      You may provide us with Personal Information and Demographic Information such as when you complete a form on the Site, contact us or submit information through the Site. More

    1. Information We Collect and Store As You Access and Use the Site

      Certain information may be collected from you automatically when you access and use the Site. For example, we and third parties may use Tracking Technologies to collect Usage Information based on your Device Identifier for a variety of purposes, including tracking, targeting, and advertising, which may include activities across time and third party locations. More

    1. Information Third Parties Provide About You

      We may obtain information about you from third parties. More

    1. Interactions with Third-Party Services

      If you interact with third-party services, those services may send us information about you and you or we may send them information about you. More

    1. Information You Provide About a Third Party

      You may provide us information about others, such as when you send a friend a message. More

    1. California Do Not Track Disclosures

      We do not look for or respond to do not track signals, but you may have certain other options regarding tracking and/or targeting. More

  1. How Do We Use the Information Collected?

    We use your Personal Information, Demographic Information and Usage Information for a variety of purposes detailed in this section. More

  1. How and When Do We Disclose Information to Third Parties?

    We may provide your information to third parties under various circumstances detailed in this Section.These may include:

    1. When You Request Information From or Provide Information to Third Parties

      If you request information from third parties, request that we send information to third parties or interact with third party services, content, ads or tools (including Facebook and other third party share functionality), we may share your information with such parties and/or they may collect your information directly. This may also include ordering or purchasing products from third parties through us where we indicate that the third party rather than us is the seller. More

    1. Third Parties Providing Services on our Behalf

      Our vendors may collect your information or we may share it with them. More

    1. Administrative and Legal Reasons

      There are a variety of administrative and legal reasons for which we may share your information. More

    1. Affiliates and Business Transfer

      We may share your information with our affiliates or in the event of a sale, merger or similar transaction. More

    1. Sweepstakes, Contests and Promotions

      Promotions entrants may be required to consent to certain information sharing. More

    1. Your California Privacy Rights

      California residents may request information about sharing of certain personal information with third parties for the third parties' direct marketing purposes by contacting us using the methods described in this section. More

  1. Ads and Information About You

    We and third parties may send you targeted ads based on your location, information and/or behavior. If you object, exercise choices some third parties may offer. More

We may allow you to access third-party content on the Site, or to link to third-party applications and locations from the Site, but we are not responsible for your interaction with third-party content, apps, and locations. More

  1. Do Third-Party Content, Links to Third-Party Sites and/or Third-Party Apps Appear on the Site?
  1. How Do I Change My Information and Communications Preferences?\

    You may change certain account information and preferences. More

  1. What About Transfer of Information to the United States?

    Data may be transferred to the United States. More

  1. What Should Parents Know About Children?

    We do not intend to collect Personal Information from children. If you think we have, let us know. More

  1. What About Security?

    No data security is absolute, but we take reasonable steps to secure data appropriately. More

  1. What About Changes to the Privacy Policy?

    We may change this Privacy Policy as explained here.

     

Privacy Policy

  1. What Information Does the Site Collect?

(a) Information You Provide to Us

On the Site, we may ask you to provide certain categories of information such as: (1) personally identifiable information, which is information that identifies you personally, such as your first and last name, credit card number, email address, home address, phone number, career, health, household and income information ("Personal Information"); and (2) demographic information, such as information about your gender, age and zip code ("Demographic Information"). If we combine Demographic Information with the Personal Information we collect directly from you on the Site, we will treat the combined data as Personal Information under this Privacy Policy. In connection with the Site, Company may collect Personal Information and Demographic in the following ways:

  • Through forms filled out by a user on the Site.
  • Through Information provided by a user in connection with any services offered on the Site.
  • Through surveys, polls, blogs and postings and submittals.

(b) Information We Collect and Store As You Access and Use the Site

In addition to any Personal Information or other information that you choose to submit to us via our Site, we and our third-party service providers may use a variety of technologies that automatically (or passively) collect and store certain information whenever you visit or interact with the Site (" Usage Information"). This Usage Information may be stored or accessed using a variety of technologies that may be downloaded to your personal computer, browser, laptop, tablet, mobile phone or other device (a "Device") whenever you visit or interact with our Site. Usage Information may be nonidentifying or may be associated with you. Whenever we associate Usage Information with your Personal Information, we will treat it as Personal Information. This Usage Information may include:

  • your IP address, UDID or other unique identifier ("Device Identifier"). A Device Identifier is a number that is automatically assigned to your Device used to access the Site, and our computers identify your Device by its Device Identifier;
  • your Device functionality (including browser, operating system, hardware, mobile network information);
  • the URL that referred you to our Site;
  • the areas within our Site that you visit and your activities there, including remembering you and your preferences;
  • your Device location;
  • your Device characteristics; and
  • certain other Device data, including the time of day, among other information.

Tracking Technologies

Obamacare-guide.org and its partners use cookies or similar technologies to analyze trends, administer the website, track users’ movements around the website, and to gather demographic information about our user base as a whole. You can control the use of cookies at the individual browser level, but if you choose to disable cookies, it may limit your use of certain features or functions on our website or service.

 

(c) Information Third Parties Provide About You

We may receive information about you from your friends and others that use the Site, such as when they submit your information to us. Additionally, we may, from time to time, supplement the information we collect directly from you on our Site with outside records from third parties for various purposes, including to enhance our ability to serve you, to tailor our content to you and to offer you opportunities that may be of interest to you. To the extent we combine information we receive from those sources with your Personal Information we collect on the Site, it will be treated as Personal Information and we will apply this Privacy Policy to such combined information, unless we have disclosed otherwise. In no other circumstances do our statements under this Privacy Policy apply to information we receive about you from third parties.

(d) Interactions with Third Party Services

The Site may include functionality that allows certain kinds of interactions between the Site and your account on a third-party web site, application or other service. The use of this functionality may involve the third-party operator providing certain information, including Personal Information, to us. For example, we may provide third-party sites' interfaces or links on the Site to facilitate your sending a communication from the Site. For example, we may use third parties to facilitate emails, Tweets or Facebook postings. These third parties may retain any information used or provided in any such communications or other activities and these third parties' practices are not subject to our Privacy Policy. Company may not control or have access to your communications through these third parties. Further, when you use third-party sites or services, you are using their services and not our services and they, not we, are responsible for their practices. You should review the applicable third-party privacy policies before using such third-party tools on our Site.

(e) Information You Provide About a Third Party

You may send someone else a communication from the Site, such as sending an invitation to a friend. If so, the information you provide (names, email addresses, mobile number, etc.) is used to facilitate the communication and is not used by us for any other marketing purpose unless we obtain consent from that person or we explicitly say otherwise. Please be aware that when you use any send-to-a-friend functionality on our Site, your email address, mobile number, name or user name and message may be included in the communication sent to your addressee(s).

(f) California Do Not Track Disclosures

Various third parties are developing or have developed signals or other mechanisms for the expression of consumer choice regarding the collection of information about an individual consumer's online activities over time and across third-party web sites or online services (e.g., browser do not track signals). Currently, we do not monitor or take any action with respect to these signals or other mechanisms.

(g)

If you have an unresolved privacy or data use concern that we have not addressed satisfactorily, please contact our U.S.-based third party dispute resolution provider (free of charge) at https://feedback-form.truste.com/watchdog/request.

  1. How Do We Use the Information Collected?

Company may use your Personal Information, Demographic Information or Usage Information in the following ways:

  • To process transactions, including to fulfill your order;
  • Send you an order confirmation;
  • Send product updates or warranty information;
  • Respond to customer service requests;
  • Administer your account;
  • Send you a newsletter and offers on behalf of us and third parties;
  • Send you marketing communications on behalf of us and third parties, including to let you know about new products, services or upcoming events;
  • To notify you of product recalls or providing other information concerning products or services you have purchased;
  • To provide customer support such as to respond to your questions and concerns;
  • Improve the Site, marketing efforts and Site offerings;
  • Conduct research and analysis;
  • To provide requested information, products and services to users via the Site or through other online or offline channels;
  • To enable you to participate in a variety of the Site's features such as to enable you to participate in online surveys, prize promotions such as contests, sweepstakes or other promotions from Company or third parties;
  • To allow you to receive other offers from non-affiliated third party companies and marketers;
  • To customize your experience on the Site or to serve you specific content or ads that are relevant to you;
  • To improve the user experience with the Site;
  • To contact you with regard to your use of the Site and, in our discretion, changes to the Site and/or Site's policies;
  • For internal business purposes
  • In connection with the operation of the Site;
  • For users to obtain information and offers for products and services offered by Company as well as selected third parties; and
  • For purposes disclosed at the time you provide your information or as otherwise set forth in this privacy policy.
  1. How and When Do We Disclose Information to Third Parties?

We may share, license or sell non-Personal Information, such as aggregated user statistics, with third parties. Further, we may share your Device Identifiers with third parties along with data related to you and your activities. Also, we may share, license or sell your Personal Information to third parties for various marketing purposes, including their online (e.g., e-mail marketing) and offline (e.g., telemarketing, cell phone text messaging, skip tracing, pre-recorded messages, automated attendant telemarketing, and direct mail) marketing programs. If you are a California resident and wish to opt-out of having your information shared with third parties for the third parties' marketing purposes, see Section 3(f) below. In addition, we may share the information we have collected about you, including Personal Information, as disclosed at the time you provide your information and as described below or otherwise in this Privacy Policy. Company may disclose your information as follows:

(a) When You Request Information From or Provide Information to Third Parties

. You may be presented with an option on our Site to receive certain information and/or marketing offers directly from third parties or to have us send certain information to third parties or give them access to it. If you choose to do so, your Personal Information and other information may be disclosed to such third parties and all information you disclose will be subject to the third-party privacy policies and practices of such third parties. In addition, third parties may store, collect or otherwise have access to your information when you interact with their Tracking Technologies, content, tools apps or ads on our Site or link to them from our Site. This may include using third party tools such as Facebook, Twitter, Pinterest or other third-party posting or content sharing tools and by so interacting you consent to such third party practices. It may also include ordering or purchasing products from third parties through us where we indicate that the third party rather than us is the seller. We are not responsible for the privacy policies and practices of such third parties and, therefore, you should review such third party privacy policies and practices of such third parties prior to requesting information from or otherwise interacting with them.

(b) Third Parties Providing Services on our Behalf

. We may use third-party vendors to perform certain services on behalf of us or the Site, such as: (a) to assist us in Site operations such as e-commerce operations such as shipping of products and services and fulfillment of orders; (b) to manage a database of customer information; (c) hosting the Site; (d) designing and/or operating the Site's features such as our live chat functionality on the Site; (e) tracking the Site's activities and analytics; (f) enabling us to send you special offers or perform other administrative services; and (g) other services designed to assist us in maximizing our business potential. We may provide these vendors with access to user information, including Device Identifiers and Personal Information, to carry out the services they are performing for you or for us. Third-party analytics and other service providers may set and access their own Tracking Technologies on your Device and they may otherwise collect or have access to information about you, potentially including Personal Information, about you. We are not responsible for those third party technologies or activities arising out of them. However, some may offer you certain choices regarding their practices, and information we have been informed of regarding such choices is available here. We are not responsible for the effectiveness of or compliance with any third parties' opt-out options.

(c) Administrative and Legal Reasons

. We may access, use, preserve, transfer and disclose your information (including Device Identifiers and Personal Information) to third parties: (i) to satisfy any applicable law, regulation, subpoenas, governmental requests or legal process if in our good faith opinion such is required or permitted by law. In certain situations, Obamacare-guide.org  may be required to disclose personal data in response to lawful requests by public authorities, including to meet national security or law enforcement requirements.

(ii) to protect and/or defend the Site's Privacy Policy or other policies applicable to the Site, including investigation of potential violations thereof; (iii) to protect the safety, rights, property or security of the Site or any third party; and/or (iv) to detect, prevent or otherwise address fraud, security or technical issues. Further, we may use IP address or other Device Identifiers, to identify users, and may do so in cooperation with third parties such as copyright owners, internet service providers, wireless service providers and/or law enforcement agencies, including disclosing such information to third parties, all in our discretion, subject to applicable law. Such disclosures may be carried out without notice to you.

(d) Affiliates and Business Transfer

. We may share your information, including your Device Identifiers and Personal Information, Demographic Information and Usage Information with our parent, subsidiaries and affiliates. We also reserve the right to disclose and transfer all such information: (i) to a subsequent owner, co-owner or operator of the Site or applicable database; or (ii) in connection with a merger, consolidation, restructuring, the sale of substantially all of our interests and/or assets or other corporate change, including, during the course of any due diligence process.

(e) Sweepstakes, Contests and Promotions

. We may offer sweepstakes, contests, and other promotions (any, a "Promotion") through the Site that may require registration. By participating in a Promotion, you are agreeing to official rules that govern that Promotion, which may contain specific requirements of you, including, allowing the sponsor of the Promotion to use your name, voice and/or likeness in advertising or marketing associated with the Promotion. If you choose to enter a Promotion, Personal Information may be disclosed to third parties or the public in connection with the administration of such Promotion, including, in connection with winner selection, prize fulfillment, and as required by law or permitted by the Promotion's official rules, such as on a winners list.

(f) Your California Privacy Rights.

As disclosed above, we may elect to share information about you with third parties for those third parties' direct marketing purposes. California Civil Code § 1798.83 permits California residents to opt-out of having their personal information shared with third parties for the third parties' direct marketing purposes. If you are a California resident and wish to opt-out of having your personal information shared with third parties for the third parties' marketing purposes, contact us at info@obamacare-guide.org. You must include your full name, email address, and postal address in your request.

  1. Advertising

We partner with a third party to display advertising on our website or to manage our advertising on other sites. Our third party partner may use cookies or similar technologies in order to provide you advertising based upon your browsing activities and interests.

  1. Do Third-Party Content, Links to Third-Party Sites and/or Third-Party Apps Appear on the Site?

The Site may contain content, links or apps that are supplied by a third party, and those third parties may collect Usage Information and your Device Identifier when pages from the Site are served to you for their own commercial purposes. In addition, when you are on the Site you may be directed to other sites and apps that are operated and controlled by third parties that we do not control. We are not responsible for the data collection and privacy practices employed by any of these third parties or their sites or apps and they may be tracking you across multiple online services and may be sharing the results of that tracking with us and/or others. These third parties may have their own terms of service, privacy policies or other policies and ask you to agree to the same. For example, if you "click" on a link, the "click" may take you off the Site onto a different location. These other online services may associate their Tracking Technologies with you, independently collect information about you, including Personal Information, and may or may not have their own published privacy policies. We are not responsible for these third-party privacy policies or the practices of Third-Party Owners. Be sure to review any available policies before submitting any personally identifiable information to a third-party application or otherwise interacting with it and exercise caution in connection with these applications. We also encourage you to note when you leave our Site and to review the third-party privacy policies of all third-party locations and exercise caution in connection with them.

  1. How Do I Change My Information and Communications Preferences?

Upon request Obamacare-guide.org  will provide you with information about whether we hold any of your personal information.You are responsible for maintaining the accuracy of the information you submit to us, such as your contact information provided as part of registration. The Site may allow you to review, correct or update Personal Information you have provided through the Site's forms, and you may provide updates and changes by contacting us by email at: info@obamacare-guide.org. If so, we will make good faith efforts to make requested changes in our then active databases as soon as reasonably practicable (but we may retain prior information as business records). Please note that it is not always possible to completely remove or delete all of your information from our databases and that residual data may remain on backup media or for other reasons. Also, if you have made any public postings on the Site such as in forums or blogs, these communications cannot generally be removed. When you edit your Personal Information or change your preferences on the Site, information that you remove may persist internally for our administrative purposes. You may cancel or modify our email marketing communications you receive from us by following the instructions contained within our promotional emails. This will not affect subsequent subscriptions and if your opt-out is limited to certain types of emails the opt-out will be so limited. Subsequent or different subscriptions will be unaffected. Please note that we reserve the right to send you certain communications relating to your use of our Site, such as administrative and Site announcements and these transactional account messages may be unaffected if you choose to opt-out from receiving our marketing communications. If you have any questions about the Privacy Policy or practices described in it, you should contact us by email at: info@obamacare-guide.org.. We will respond to your request within a reasonable timeframe.

  1. What About Transfer of Information to the United States?

Our Site is operated in the United States and intended for users located in the United States. If you are located outside of the United States, please be aware that information we collect, including Personal Information, will be transferred to, and processed, stored and used in the United States. The data protection laws in the United States may differ from those of the country in which you are located, and your Personal Information may be subject to access requests from governments, courts, or law enforcement in the United States according to laws of the United States. By using the Site or providing us with any information, you consent to the transfer to, and processing, usage, sharing and storage of your information, including Personal Information, in the United States as set forth in this Privacy Policy.

  1. What Should Parents Know About Children?

The Site is a general audience web site and we do not knowingly collect any personal information from children younger than the age of thirteen (13) as required by U.S. law. We will delete any personal information collected that we later determine to be from a user younger than the age of thirteen (13). If you are a parent or guardian of a child under the age of thirteen (13) and believe he or she has disclosed personal information to us, please contact us by email at:info@obamacare-guide.org.

  1. What About Security?

We endeavor to incorporate commercially reasonable safeguards to help protect and secure your Personal Information. However, no data transmission over the Internet, mobile networks, wireless transmission or electronic storage of information can be guaranteed to be 100% secure. Please note that we cannot ensure the security of any information you transmit to us, and you use our Site and provide us with your information at your own risk.

  1. What About Changes to the Privacy Policy?

We reserve the right to change this Privacy Policy at any time without notice to you. Any changes will be effective immediately upon the posting of the revised Privacy Policy and your use of our Site indicates your consent to the privacy policy posted at the time of use. However, we will not use your previously collected Personal Information in a manner materially different than indicated at the time it was collected without your consent. If we make any material changes we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on this website prior to the change becoming effective. To the extent any provision of this Privacy Policy is found by a competent tribunal to be invalid or unenforceable, such provision shall be severed to the extent necessary for the remainder to be valid and enforceable.

  1. Contact Us

Obamacare-guide.org

Email address: info@obamacareguide.org

The following third parties that collect information from you on the Site have given us notice that you may obtain information on their policies and practices, and in some instances opt-out of certain of their activities, as follows:

PLEASE NOTE: We are not responsible for third-party policies or practices. We try to keep this information current, and will add to and subtract from the chart above as appropriate, but it is provided as a courtesy and may not be current or accurate. Please contact the applicable third parties regarding their privacy and data security policies and practices.

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